they make the laws. they have created this massive thing called dodd-frank only part way through in terms of interpreting. i believe with community bankers parts we will be supported on this issue. this is something we have been bird dogging. i do think it is gaining momentum. as i said earlier, who has benefited from this? lawyers and bureaucrats. john? >> i am half australian. thank you for leading me on this. as you know better than me, god and frank would say we dealt with too big to fail and we meant it. --.and frank would say -- we really mean it as regulators. and that is not sufficient to the bankers or the market. i am curious, the party didn't emphasize, the backdrop, what is the plan for government intervention to separate the smaller institutions. the second component is your thoughts on emerging problem of too big to jail. government prosecutors decided not to read it decided to defer prosecution for company they alleged was facilitating drug- trafficking and alleged terrorist activity. they